Adjustable-Rate Mortgages

An adjustable-rate mortgage (ARM) usually starts at a lower rate than a fixed-rate loan, which translates to a lower payment for greater purchasing power. This introductory fixed-rate period is then followed by rate fluctuations based on a predetermined margin and a defined index. Interest rate changes are limited, or capped, at each adjustment and for the life of the loan. For more information, contact one of our Mortgage Lenders.

Start with lower payments that will adjust to market conditions at a future specified date

Periodic and lifetime caps are provided to protect you from market fluctuations

First-Time Homebuyer Program

As a first-time homebuyer, you may qualify for advantages such as reduced closing costs, a low down payment, zero points and flexible qualifying guidelines. Products are available for 1 -4 family homes and condos. Let's explore your options together and find the financing solution that can make your plans possible.

Construction Loans

Planning on building a new home? Our construction loan offers special benefits, flexible terms and competitive interest rates to help make your payments affordable while the home is being built and after you move in. Upon completion of the project, the loan will convert to a fully amortizing mortgage - without the need of a second closing.